Chutzpah is a
Yiddish word meaning gall, brazen nerve, effrontery, sheer guts plus
arrogance; Leo Rosten writes, "no other word, and no other
language," can do it justice.."

Read the story below the picture and you will understand.

THE ESSENCE OF CHUTZPAH...

A little old lady sold pretzels on a street corner
for 25 cents each.

Every day a young man
would leave his office building at lunch time, and as he passed the
pretzel stand, he would leave her a quarter, but never take a
pretzel.

This went on for more than 3 years. The two of them never spoke.
One day, as the young man passed the old lady's stand and left his
quarter as usual, the pretzel lady spoke to him. Without blinking
an eye she said: